Suncorp Bank

Virtual POS
Facilities for processing
card not present transactions.

24-hour high speed ‘card not present’ processing

Virtual POS explained
Suncorp Bank Virtual POS is a comprehensive eCommerce payment
solution suitable for a wide range of businesses. It allows merchants to
accept payments via a number of fully featured online options with real time
authorisation, including:

MOTO (Mail Order Telephone Order) payments

The MOTO payment option allows merchants to process single payments
in real time via a web-based payment page. This module is suitable for
merchants who take payments through the mail or over the phone, or for
larger entities that take ad-hoc payments – for example, Mail order and
Telephone Orders.

Shopping Cart
The Shopping Cart option is a technical solution that is integrated with a
business’s website (online shop). Payments are initiated by the customer
purchasing goods or services, and merchants receive real time authorisation
of credit card payments. This solution is suitable for any business that has
an online store or IVR system.

Batch Loader
The Batch Loader option allows merchants to manage multiple payments
simultaneously. Merchants can create payment files to be used on a
recurring basis, and customer card details are stored securely. This facility is
most suitable for businesses that process bulk recurring payments or large
volumes of transactions on a regular basis, such as gym memberships.

Note: the Shopping Cart and Batch Loader modules both come with access
to a MOTO payment page for ad-hoc payments, if required.

Please turn over for terms and conditions.

 How it works Key features
Value
• C
 ompetitive pricing packages can
Server hosted solution for an online store be customised to the merchant’s
business needs.
Step 1 – T
 he customer enters the details into the merchant’s
shop-and-buy application software at the checkout page.
Convenience
Step 2 – T
 he customer pays for the goods and the merchant • 2
 4-hour ‘card not present’ processing
with real time transaction authorisation.
software sends an encrypted Digital Order to a Payment
Server located at MasterCard International.
Flexibility
Step 3 – T
 he Payment Server receives the customer’s order details • Integrates with the merchant’s website.
and displays a series of screens. The first screen displays • A
 ccepts all major MasterCard and Visa
the cards supported by the merchant (ie. MasterCard and cards (Australian and international),
American Express and Diners Club
Visa), and the customer chooses the card type they want cards.
to use for the transaction. The second screen then accepts
• S
 ame day settlement where the
the details for the chosen card (card number, expiry date proceeds of card sales are credited to
and security number if required). a Suncorp Bank account on the same
day for transactions processed before
+
Step 4 – T
 he Payment Server passes details directly to Suncorp 6.00pm , seven days a week.
Bank and the transaction is switched to the customer’s
card issuing bank. When payment has been processed, Support
the Payment Server temporarily displays the result of the • M
 erchant Administration – an
internet-based portal that can
transaction before displaying the final screen asking the
be accessed to view transaction,
customer to please wait while they are redirected back to settlement and comprehensive
the merchant’s site. The Payment Server then passes an reconciliation reports, and to make one-
encrypted Digital Receipt detailing the result of the trans- off payments.

action back to the merchant’s site. This information is then • H

 istorical sales and reconciliation
enquiries are provided via the portal as
passed back to the cardholder for their records.
either browser-based or server-based
secure access to data.

Payment option details Security

• L
 atest security features supporting
1
Verified by Visa and MasterCard’s
SecureCode cardholder identification
USER
INTERNET PAYMENT and fraud minimisation services.
SERVER
Digital
• T
 riple DES secures encryption and
order 2 protection of cardholder information.
3 4
1 3 Digital
receipt
PHONE Communications protocols
• U
 ses Hypertext Transfer Protocol
Secure (HTTPS) to provide real time
advice for authorisation and sales.

MERCHANT BANK
Online store compatibility
• C
 ompatible with common shopping cart
applications such as ZENCART, XCART,
VPASP and OSCommerce.

For more information.

suncorpbank.com.au

Call 13 11 75

local branch

+Same day settlement where the proceeds of card sales are credited to a Suncorp Bank business account on the same day for transactions processed before 18:00, seven days a week (AEST).
Merchant facilities are issued by Suncorp-Metway Ltd ABN 66 010 831 722. To approved applicants. Terms and conditions, fees and charges apply and are available on request. 19577 07/04/16 A